Features

What's inside PLATMA Bank 6.0

Twelve production-ready capabilities organised into six modules. Every feature runs on real data — no mocks, no demos hardcoded into screens.

Foundation

Data fabric & autonomous agents

Beneath the cabinets sits a data fabric that connects public and closed registries, and agents that gather from many sources, reason and show their work — advice for humans, who decide.

  • Connectors to EGRPO, e-soliq, KATM, Garov, customs, cadastre and sanctions lists.
  • Banker agent builds a verified 360° profile from a single tax ID in seconds.
  • Owner co-pilot turns finances into a personal brief and a financing-readiness signal.
  • Ops AML analyst recommends a disposition with evidence — sanctions stay deterministic.
  • Every step has a trace; only anonymised data reaches the model; the human decides.
Agent trace
✓Registry queried — source and date attached
✓Cross-checked — confidence shown per field
⚠Synthesis — risk flags with their sources
Recommendation → the human decides
For owner

AI Cashflow Forecast

An LLM reads ninety days of the company's transactions and writes a one-page advisor brief — pulse score, priority watch list, cash-gap forecast, concentration risk.

  • Pulse score 0–100 with tone-aware delivery (calm / active / alert)
  • Watch list — top 3 things to do today, ranked by impact
  • Cash-gap forecast with days-to-impact and exact UZS sum
  • Counterparty concentration — early warning before single client becomes a risk
  • PDF export for accountant or investor reporting
☀️
Pulse score
68 / 100
🎯 Priority today
Closing of the TashTrade contract on Thursday will release 340M UZS of receivables. Confirm shipment timing with logistics before lunch.
⚠️ Risk focus
Forty-eight percent of receivables concentrated in two buyers. If either delays beyond 30 days, the salary run on the 25th becomes tight.
🧾
UCH vs OCH recommendation
Recommended
Simplified regime (UCH)
Annual tax: 84M UZS · Savings vs OCH: 42M UZS
Annual revenue projects at 1.4 bln UZS. Until 5 bln threshold simplified regime is cheaper and bookkeeping load is lower.
For owner

AI Tax Advisor

Compares simplified vs general regime with concrete UZS figures. Built-in calendar of due dates. Detects when the threshold is approaching and recommends switching.

  • Regime comparison with year-end projections
  • Payment calendar — VAT, profit tax, social, NDFL with urgency
  • Threshold tracking — alerts when approaching limits
  • PDF export for the bookkeeper
For owner

Smart payments with pre-flight compliance

Before money leaves the account, the system runs sanctions screening, AML pattern check and beneficiary verification. The owner sees a traffic-light verdict before clicking Send.

  • Sanctions screening — OFAC, EU, UN consolidated lists
  • AML pattern check — structuring, round-tripping, layering
  • Beneficiary verification via fuzzy matching (pg_trgm)
  • Audit trail for every payment decision
🚨 BLOCKED — Beneficiary on sanctions list
Payment to
PromExport LLC · 87,500,000 UZS
Match found in OFAC SDN list (similarity 94%). The transaction has been held automatically. Compliance team has been notified.
Audit IDCMP-2026-04-17-0883 ·Reviewed byops queue
17 April 2026 · 09:00
☀️ Morning brief
Good morning, Xairullo. Pulse calm. 38 clients, 4 priority actions today.
🎯 Priority today

SilkWay Retail likely has cash gap in nine days. ERP flags margin drop 6%. Reach out with overdraft offer before they look elsewhere.

💼 Opportunity

TashInvest Group opened new branch. Increase in payroll 9%. Investment loan candidate.

For banker

Banker AI Copilot

Every relationship manager opens the morning to a one-page brief: who is hot today, where the risk is, what to focus on. Same brief lands in inbox at 09:00 sharp.

  • Today's priority based on real-time signals
  • Risk focus — clients at elevated risk
  • Opportunity focus — deal candidates
  • Watch list — keep eye on these
  • Cron 09:00 email with HTML brief
For ops

Unified compliance fabric

AML, KYC, SWIFT verification, sanctions screening and smart onboarding share one engine. Every decision goes into a single audit trail. No more checking three systems for one client.

  • AML screening with traffic-light verdicts and AI rationale
  • KYC case management with assignment and SLA tracking
  • Sanctions screening — fuzzy match against consolidated lists
  • SWIFT verification for international payments
  • Smart onboarding — automated KYC for new SME
82%
Auto-cleared
14%
Manual review
4%
Blocked
4.2h
Median SLA
🏆 Banker leaderboard
🥇
Xairullo Mamatkulov
Senior RM · 38 clients
68
⭐ Top
🥈
Ivan Petrov
RM · 24 clients
42
✅ Good
🥉
Dilshod Karimov
RM · 12 clients
25
⚠️ Avg
For ops

Banker effectiveness scoring

Composite score 0–100 per relationship manager. Acceptance rate, revenue, communications activity, compliance handling. Transparent leaderboard so the head of SME knows who needs coaching.

  • 35% — Acceptance rate of offers
  • 25% — Revenue generated (log-scaled)
  • 20% — Communication activity (30 days)
  • 10% — Compliance handling
  • 10% — Client diversity

See it in action with your data

Pilot in 4 weeks with your bank's real clients

Request a demo Open live system